Best ICICI Bank credit card for international spending
ICICI Bank cards ranked by what they actually return on international spending — after monthly caps, excluded categories and surcharges, not by the advertised rate. CardMasters is independent of ICICI Bank.
Short answer
Across 8 ICICI Bank credit cards, 6 return anything at all on international spending; the rest cap it, exclude it or levy a surcharge. On ₹10,000 a month of that spend, Amazon Pay ICICI leads at about ₹100 a month (₹1,200 a year) against an annual fee of ₹0. Figures apply each card's own published caps, exclusions and surcharges rather than its headline rate, from issuer terms recorded on 2026-08-04.
Source: CardMasters issuer-evidence catalogue, release 2026-08-04. Confirm final terms with the issuer.
| # | Card | Per month | Per year | Annual fee |
|---|---|---|---|---|
| 1 | Amazon Pay ICICI | ₹100 | ₹1,200 | ₹0 |
| 2 | ICICI Bank Times Black | ₹100 | ₹1,200 | ₹20,000 + GST |
| 3 | ICICI Bank Coral | ₹50 | ₹600 | ₹500 + GST |
| 4 | ICICI Bank HPCL Super Saver | ₹50 | ₹600 | ₹500 + GST |
| 5 | ICICI Bank Rubyx | ₹50 | ₹600 | ₹2,000 + GST |
| 6 | ICICI Bank Sapphiro | ₹50 | ₹600 | ₹3,500 + GST |
Compare this against every issuer on the same category: best cards for international spending across all banks →
Frequently asked questions
Which ICICI Bank credit card is best for international spending?
Amazon Pay ICICI returns the most in the CardMasters model — about ₹100 a month on ₹10,000 of international spending, ahead of ICICI Bank Times Black and ICICI Bank Coral. The order changes with your spend level because each card's monthly cap binds at a different point, and the annual fee still has to be subtracted.
Do all ICICI Bank cards earn on international spending?
No. Only 6 of 8 ICICI Bank cards tracked here return anything on this category. The others either exclude it from rewards, cap it at zero, or apply a surcharge that cancels the earn — which is why they are left out of the table rather than shown with a headline rate they do not pay here.
Should I pick a ICICI Bank card just because I bank with ICICI Bank?
Only if it wins on your actual spending. An existing relationship can help with approval and sometimes with pre-approved offers, but it does not make the card the best value. Compare this ranking against the same category across all issuers before deciding.